No Money? No Worries with our Financing Options

Surplus Furniture and Mattress Warehouse has quickly claimed its name in the furniture industry by offering incredible value for an unbelievably low, low price. Our furniture experts are constantly locating quality, brand name furnishing at rock bottom prices. We are then able to pass on these incredible savings to our customers by simply purchasing direct from the manufacturers.

Applying for financing is a fast and easy process! Only some basic information is required to fill out an application, and you can find out on the spot if you were approved! When approved you can pick up the furniture right away, or set up a delivery to have it in your house that night!

Don’t Pay for 12 Months!

0% Interest! No Monthly Payments!*

Can’t wait to get your furniture? Then this financing option is suited for you. Purchase your furniture today and delay the payments to a later date. Set your own payment schedule and amount, and there is no interest fees, as long as the full amount is paid before the end of the agreed upon term. There are three options for this payment plan:3 months – No Admin Fee, No Interest Fees.
6 months - $69 Admin Fee, No Interest Fees.
12 months - $149 Admin Fee, No Interest Fees.* O.A.C. Admin fee is due at time of purchase (plus tax) and cannot be rolled into the financing plan. No Interest Fees as long as the full amount is paid before the agreed upon terms. If the full amount is not paid within the term date, than an interest fee of 19.4% is applied and backdated to the date of the initial purchase.

Take 18 Months To Pay!

with 18 Equal Payments! No Interest Fees!**

This financing option is great for customers that require a bit more structure and simplicity. The Equal Payment Plan, takes the cost of the furniture and divides it into easy monthly payments. The great part is, there are no interest fees. So there are four payment terms with this plan:3 month term - No admin fee, No Interest Fees!
6 month term - $69 admin fee, No Interest Fees!
12 month term - $149 admin fee, No Interest Fees!
18 month term - $149 admin fee, No Interest Fees!** O.A.C. Admin fee is due at time of purchase (plus tax) and cannot be rolled into the financing plan.

Take 36 Months To Pay!

with 36 Equal Payments! Minimal Interest Fees!***

This option combines the best of both plans. It takes the full cost of your purchase and divides it into equal monthly payments., with a minimal interest fee. However, there is an option to pay the full amount within the first 3 months, interest free. All with the benefit of having a low administration fee. This Payment Plan allows you to choose:12 month plan - $49 admin fee, low interest fee.
24 month plan - $49 admin fee, low interest fee.
36 month plan - $49 admin fee, low interest fee.*** O.A.C. Admin fee is due at time of purchase (plus tax) and cannot be rolled into the financing plan. No Interest Fees for the first 3 months, afterwards there is a minimal 13.4% interest fee applied.

100% FREE Layaway Plan!

Choose 100% Free Layaway. This payment option is the easiest for our customers. There is no interest fees, no admin fees, no storage fees, no credit check, flexible payment options, with a minimal down payment required. Once an item is paid for, you can take it home or schedule it for Same Day Delivery! As a customer, you choose the initial down payment to start, then you choose the payment schedule and amounts (all based on your income). It’s that easy.

Get More Furniture For LESS! Only At Surplus Furniture and Mattress Warehouse